disease-management-program

What is ICICI Lombard Complete Health Insurance policy?
ICICI Lombard Complete Health Insurance policy secures your finances against sudden medical expenses. It is a comprehensive policy for you and your family, designed to cater to most of your common healthcare needs. It comes with an option to include your family under one policy called the family floater option. You can choose coverage for your family health insurance as per your medical needs such as maternity cover, OPD cover, critical illness cover, donor expenses cover, etc. Some of its noteworthy features include no limit on hospital room rent, no co-pay, no pre-medical check-up up to 45 years of age and 2 complimentary health check-up coupons every year for a family floater health insurance policy. As a result, it is one of the preferred health insurance policies in India.

Why should you buy a health insurance policy for yourself and your family?
Family health insurance is the need of the hour.

1. Medical costs are skyrocketing
They are high today and will be higher in the near future. A family floater health insurance is a smart way to safeguard your savings during a medical emergency.

2. Employer provided health policy is not enough
A health cover provided by your corporate firm or employer ceases to cover you once you switch the job. Furthermore, you cannot choose coverage or benefits as per your needs. Besides, the sum insured of corporate health plan may not be adequate to cover you and your dependents in case of a medical emergency. Hence, it is recommended to invest in one of the leading family health insurance plans in India that covers up to 2 adults adequately.

3. Lifestyle diseases are on the rise
An unhealthy way of life and work stress have made even the younger generation prone to lifestyle diseases. Thus, the need to have a family health insurance is undisputable even if you are young. The onset of a chronic condition like diabetes may make it difficult for you to buy a comprehensive medical insurance. You may be required to undergo screening and medical check-up. Hence, it is recommended to invest in a family health insurance policy as early as possible. Not only is it affordable but also ensures optimum coverage when you need it most.

4. You can save some on family health insurance premium
By sharing your sum insured, you can smartly insure your entire family under one health plan. This will help in bringing down your health insurance premium significantly. You also do away with the hassle of managing multiple policies and their renewals.

5. Family healthcare needs get covered in one go
Occasionally you end up bearing out of pocket expenses for your family health check-up, viral flu, seasonal sickness and illnesses. These costs put together can weigh heavy on your pocket, and a family floater health insurance with OPD cover will help you avoid just that. You can choose the OPD cover by paying an additional premium and reduce your out of pocket expenses.

6. You get tax benefit on health insurance premium
As per Section 80D of the Income Tax Act, you can avail tax benefit on the health insurance premium. Thus, a health policy not only saves you from breaking the bank during a medical emergency but also helps you to save in taxes.

[B[What are the top reasons to buy ICICI Lombard Complete Health Insurance plan?[/B]
Here are the top 6 health insurance benefits that you reap with us.

COVID-19 hospitalization is covered
Our health plan covers hospitalization expenses on account of COVID-19. We understand that currently the preferred health plan is the one that secures your family against the pandemic. So, if you get our health insurance for parents or family, you and your loved ones will be covered against the pandemic just 15 days after your policy start date*. If you have renewed the policy with us without any break or if the policy has been ported to ICICI Lombard, then the waiting period for COVID-19 won apply.

No co-payment required
A health plan with a co-pay clause needs you to bear some part of the covered hospitalization expenses as well at the time of claim. However, with our individual and family health insurance, there is no co-pay applicable. We will cover the entire amount that is payable as per your policy terms and conditions up to your sum insured.

Pre-existing diseases are covered
One reason why our policy is one of the preferred health policies, is that it covers pre-existing diseases immediately after 2 years from the policy start date if you choose a plan with sum insured 3 lakh and above.

You can avail unlimited reset benefit
If the balance sum insured under your family health plan is inadequate for subsequent claims by you or your family member we will reset it up to 100% of your base sum insured. Thus, you have us by your side protecting your savings through the rest of the policy year. Your sum insured can be reset for a different illness or same illness but by different insured. You can avail this benefit once in a policy year under our I health plan and unlimited times under our Health Shield, Health Shield Plus, Health Elite and Health Elite Plus plans.

No capping on room rent
We know you would want to compromise when it comes to your recovery. Hence, our family insurance covers the charges even for a private ward. So if you need your privacy for a speedy recovery, our family floater health policy will have you covered.

You can enjoy additional sum insured
We reward you if you have made no claims in the previous policy year with us. The sum insured of your medical insurance policy for family is increased by 10% for every claim-free year up to a maximum of 50%. In case of a claim, the same will be reduced by 10%. Your benefits under the base plan remain unchanged.

Fast, convenient cashless claims
In case of treatment at our network hospitals, we provide cashless authorization and discharge authorization within a 60 minute turnaround time. You can focus solely on getting better, without waiting or worrying.

Why should you buy health policy online from ICICI Lombard?
It is a fuss-free way to secure yourself with one of the leading health insurance policies.
We know that your busy schedule may leave you with very little time to find a reliable health policy for family. So, digital can become your go-to solution for choosing one of the preferred health policies in India.
We have hence put together a super easy and customizable online experience. It can help you zero down on a health insurance policy for family from the comfort of your home. You can select, edit the number of family members you wish to cover under the family health plan. You can also have your pick from our smart set of add-on covers basis your healthcare needs. Additionally, our health assistance team is available to answer your COVID-19 queries on our dedicated helpline 04066274205 between 9 AM to 6 PM from Monday to Saturday.
That not all. We let you claim digitally under your family medical insurance with us on our IL Take Care mobile app. You also get to save 10% on your health insurance premium when you buy ICICI Lombard Complete Health Insurance policy for 2 years tenure.

What is covered by ICICI Lombard Complete Health Insurance policy?
Here what the ICICI Lombard Complete Health Insurance policy includes and excludes:

Inclusions

Hospitalization
Medical expenses incurred during hospitalization for more than 24 hours, including room charges, doctor/surgeon fee, medicine bills, etc.

Pre and post hospitalization
Medical expenses incurred 30 days prior and 60 days post hospitalization, provided we have accepted the in-patient claim.

Day care treatments
The expenses for advanced, technological medical surgeries and procedures requiring less than 24 hours of hospitalization (including dialysis, radiotherapy and chemotherapy).

AYUSH treatment
Expenses for in-patient treatment under Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment only when it has been undergone in a government hospital or any institute recognized by the government and/or accredited by Quality Council of India/National Accreditation Board on Health.

Wellness program
Redemption of wellness points earned due to healthy behavior through various wellness and fitness activities. You can redeem the wellness points on OPD bills for doctor consultation, medicine and drugs, diagnostic expenses, dental expenses, etc.

Super no claim bonus**
50% extra sum insured awarded to you over your base sum insured for every claim-free year. In case of a claim, the extra sum insured earned will be reduced by 50%.

Claim protector**
Coverage for items that are not otherwise payable by us under your claim. You can avail this if your in-patient hospitalization claim has been accepted.

Additional sum insured protector*
No effect on the additional sum insured that you have earned over the years if you happen to make claims that are up to 50,000 in the previous policy year.

Reset benefit
Facility to restore your balance sum insured up to 100% of the base sum insured once in a policy year in case the sum insured, including accrued additional sum insured (if any), is insufficient as a result of previous claims in that policy year. This benefit can be availed for a different illness or the same illness but by a different insured.

Cashless hospitalization
Cashless hospitalization facility at any of our network providers or hospitals. You can view the updated list of these hospitals and providers

Pre-existing diseases
Pre-existing diseases declared at the time of proposal and accepted by us will be covered immediately after 2 years waiting period for a sum insured of 3 lakh and above.

Pre-policy medical check-up
No medical tests will be required for health cover below the age of 46 years and sum insured up to10 lakh.

Emergency ambulance
Reimbursement of up to 1500 per hospitalization for reasonable expenses incurred on availing an ambulance service offered by a hospital or ambulance service provider in an emergency condition.

Free health check-up
A complimentary health check-up coupon to each insured for every policy year, and 2 coupons per year for floater policies.

Domiciliary hospitalization*
This should either be because of the unavailability of beds at a hospital or the inability to move the insured to a hospital.

Air ambulance cover*
Air ambulance expenses to transfer you to the nearest hospital for emergency care.

Worldwide cover**
Medical expenses incurred abroad for hospitalization and day care procedures.

Donor expenses*
Reimbursement of medical expenses for organ donor up to 10 lakh (as per plans opted). This benefit is provided only if the hospitalization claim for organ donation surgery is accepted.

Emergency services*
Road ambulance expenses for emergency care, telephonic or virtual consultations with a medical practitioner for routine health issues. You can receive the consultation via audio, video, online portal, chat or mobile app. This service is available 24 hours a day, 365 days a year.

Unlimited reset benefit*
Facility to restore your balance sum insured up to 100% of the base sum insured unlimited times in a policy year. To avail this, the sum insured, including accrued additional sum insured (if any), should be insufficient as a result of previous claims in that policy year. This benefit can be availed for a different illness or the same illness but by a different insured.

Lifelong renewability
Provision to renew the health policy every year without any restriction on age.

Floater benefit
children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. Any individual above 3 months of age and up to 6 years can be covered under the family insurance plan provided 1 adult is also covered under the same policy.

Free look period
You can cancel the policy by giving written notice within 15 days of receiving the policy.

Additional sum insured
Up to 10% sum insured rewarded to you over and above your existing sum insured for every claim-free year. The maximum additional sum insured that you can earn in total is 50%. In case of a claim under the policy, the accumulated additional sum insured will be reduced by 10% in the following year.

ICICI Lombard Complete Health Insurance plan add-on benefits
While our family floater health insurance policy has your back for the larger expenses incurred during hospitalization, our hospital daily cash allowance and convalescence benefit add-ons take care of your smaller yet significant out of pocket expenses.
With hospital daily cash allowance, you get 1,000 or 2,000 or 3,000 per day as per your sum insured, for maximum 10 days and minimum 3 days of hospitalization per member. Under convalescence benefit, you get 10,000 per member for 10 or more consecutive days of hospitalization once a year.

Donor expenses & critical illness cover
In your attempt to put together a reliable family health insurance plan, you should not leave out essential add-ons like donor expenses and critical illness cover. The donor expenses add-on reimburses medical expenses for organ donor up to 50,000, incurred during organ transplantation screening, treatment, and surgery of the donor.
The critical illness cover, on the other hand, provides a lump sum benefit of up to 100% of the sum insured for plan with SI up to 10 lakh and 50% of SI for plans with SI greater than 10 lakh if you're diagnosed with any of the 9 critical illnesses for the first time during policy period. This cover can be purchased for adults only under family floater health policy. You cannot cover children under this cover.

Outpatient treatment, wellness cover, maternity benefit & new born baby cover
Our cashless health policy for family has your back for medical costs incurred before, after and during hospitalization. Moreover, our outpatient treatment cover will help you avoid any out-of-pocket expenses like doctor consultation fees, prescribed medication and diagnostics for occasional sickness.
The benefits under wellness cover make ICICI Lombard Complete Health Insurance one of the preferred health insurance policies. It rewards your initiatives to maintain good health and reimburses your expenses on wellness activities through the points you earn for them.
If you think you may not need a maternity insurance policy now but will need one in 2 or 3 years from now, then our maternity benefit add-on is worth adding to the cart. It covers you and your spouse after 3 years waiting period and bears the medical expenses for the normal delivery of a child, caesarian delivery and pre and postnatal care.
Besides, under the new born cover, your baby is covered for a maximum period of up to 91 days from birth.

Nursing at home & compassionate visit cover
If you need nursing care at home for your recovery, we provide up to 3,000 per day for maximum 15 days. This way, you can avoid an unnecessary hospital stay. You can also benefit from this add-on if you are a senior citizen who may need post hospitalization nursing care at home.
The compassionate visit cover will come handy if your hospitalization extends beyond 5 days. We will cover an economy class air ticket up to 20,000 for your spouse or children or parent to be able to visit you.

*Optional covers available at an additional premium.




How can I check my eligibility for ICICI Lombard Complete Health Insurance policy?

* If you are above 18 years of age, you can buy the Complete Health
Insurance policy for yourself and your family members, children and
parents.
* If you want your child to be covered under the family insurance plans,
your child should be more than 3 months of age, and in case you are
buying an individual health plan for your child, he or she should be more
than 6 years of age.
* A health policy purchased to cover children aged between 3 months to 5
years should necessarily cover at least one adult too.
* Children have to be more than 91 days old to be eligible for the health
cover.
* If you are buying the health plan for an individual who is more than 46
years of age, they will need to undergo a medical test at our designated
diagnostic centers
* You can avail income tax benefits under Section 80D, only on health
policies bought for self, spouse, parents and dependent children.

What is the difference between Mediclaim insurance and health insurance policy?

In India, Mediclaim and health insurance are often used interchangeably. Just as people normally confuse guarantee with warranty, they tend to assume Mediclaim policy to be the same as health insurance. But this is not true.
That's why, before you decide to secure your health with Mediclaim insurance, it is important to understand what it brings to the table. This will help you map the right coverage against your health needs.

Advantages of Mediclaim insurance
* Hospitalization coverage
* Accident cover
* Pre-specified disease cover
* Lower premium
* Tax benefit

Disadvantages of Mediclaim insurance
# No add-ons
# No flexibility
# No customization
# Maximum coverage only up to 5 lakh

It is natural to find Mediclaim policy lucrative over health insurance due to lower premium and tax benefit. But how wise is it to secure your health by only looking at these two advantages? What about the medical expenses that you would incur before and after hospitalization? If you go for a Mediclaim insurance policy, you lose out on many such benefits that our health insurance policy can provide apart from the sum insured that can go as high as 50 lakh. You also don't enjoy the flexibility to customize your health coverage with add-ons in a Mediclaim insurance policy.